M. Abiya Emima

M. Abiya Emima is a Doctoral Scholar in the Department of Commerce at St Joseph’s University, Bengaluru, Karnataka-560027, India. She holds a Master of Commerce (M. Com) in Finance and Taxation from St. Joseph’s College of Commerce (Autonomous), Bengaluru. She also holds a Post Graduate Diploma in Education with a specialisation in Marketing Management. She has been qualified for the Karnataka State Eligibility Test (K-SET) in Commerce. She has also presented research papers in various state, national, and international seminars. Her academic and research interests include commercial insurance, MSMEs, corporate finance, taxation, sustainability, financial management, and marketing strategies. She has contributed to international publications, including the Journal of the International Council for Small Business and peer-reviewed research articles published by Springer and Taylor & Francis.